Redwood Credit Union is seeking a Payments Product Specialist who will manage and optimize Redwood Credit Union's payment products and services with a focus on driving Member adoption, portfolio growth, operational efficiency, and exceptional Member experiences. This results-driven team member will support the strategic development, implementation, and ongoing management of debit cards, credit cards, digital wallets, person-to-person and account-to-account payments, real-time payments, card controls, rewards, and emerging payment technologies. The Payments Product Specialist will leverage data analytics, market intelligence, and Member insights to identify opportunities for growth, improve product performance, and enhance product delivery. This role serves as a liaison between internal stakeholders, payment networks, processors, and third-party vendors to ensure products remain competitive, compliant, and aligned with organizational goals.   Key Responsibilities o Drive Member usage and acquisition of defined payment channels. o Educate, promote, and develop programs that drive growth and usage of payments products and services. o Maintain working knowledge of RCU's payment products and services, including debit cards, credit cards, digital wallets, P2P solutions, account-to-account transfers, rewards programs, and emerging payment technologies. o Analyze payment portfolio and product performance, utilization, transaction trends, and Member engagement metrics to identify growth opportunities, evaluate alternatives and recommend product enhancements to reduce Member friction and enhance Member experience. o Drive the launch and ongoing management of payment product initiatives, enhancements, and promotional campaigns. o Independently analyze portfolio and transaction data to develop, prioritize, and present recommendations to drive usage, adoption, and Member engagement. o Support payment product awareness and adoption throughout the organization and communities. o Monitor industry trends, competitor offerings, and emerging technologies; assess business impacts and recommend strategic product enhancements, functionality improvements, and innovation opportunities. o Lead or coordinate the evaluation and implementation of new payment products and services, including pilot programs and strategic initiatives by assessing business needs and operational impacts, and providing recommendations to leadership. o Develop and present business cases, cost-benefit analyses, vendor evaluations, and executive-level recommendations used by management to inform decisions. o Analyze Member feedback, operational impacts, vendor performance and business results to identify issues, evaluate corrective actions, and recommend opportunities for continuous improvement. o Collaborate with business partners throughout the organization to develop data driven recommendations to support product decisions. o Work closely with Risk, Compliance, and Enterprise Fraud teams to ensure payment products operate within regulatory and organizational requirements. o Monitor third-party vendor performance and standards; identify operational or service issues, evaluate potential solutions and provide recommendations for improvement, in support of vendor due diligence reviews. Other Functions: o Analyze the efficiency of current procedures and recommend process improvements. o Support departmental projects and cross-functional initiatives. o Assist with preparing presentations, reporting, and executive communications.   Join us and discover why you'll love working at Redwood Credit Union!   ABOUT REDWOOD CREDIT UNION (RCU): At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.   As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.    Why work for Redwood Credit Union? •  21st largest credit union in the U.S. and the largest financial institution based in the North Bay •   Recognized by Newsweek as one of "America's Best Credit Unions 2026" •   Awarded a 5-Star Bauer Rating •  Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2026" •   Top Corporate Philanthropists (#24) - San Francisco Business Times •   Voted Best Places to Work in the North Bay 21 years in a row •   World-class Employee Engagement scores •   Rated Superior in Service by more than 90% of Members, surveyed by SF Gate •   Industry leading Net Promoter Scores across the U.S. \n Minimum Qualification: Knowledge, Skills and Abilities * Knowledge of applicable laws, regulations, and network rules impacting payments, including, but not limited to Regulation E, Regulation Z, UDAAP, PCI DSS requirements, card network operating regulations, BSA, Patriot Act, and OFAC. * Experience and ability to drive growth and usage of payments products and services. * Excellent collaboration and communication skills, with the ability to work effectively across departments, with external partners, and the community. * Ability to plan and deliver internal and external presentations. * Excellent analytical, problem-solving, critical thinking, and decision-making skills, with the ability to evaluate alternatives and recommend solutions to complex business issues. * Strong understanding of consumer and business payment products, card programs, and payment ecosystems. * Experience analyzing portfolio data, transaction trends, and Member adoption metrics. * Knowledge of debit, credit, digital wallets, real-time payments, and emerging payment technologies. * Ability to interpret data and provide actionable recommendations to improve product performance. * Ability to utilize AI to assist and enhance daily functions and production. * Ability to prioritize multiple initiatives and meet deadlines. * Knowledge of applicable consumer laws, regulations, and payment network requirements. * Strong written and verbal communication skills, including the ability to influence decision-making and present findings and recommendations to leadership. * Highly Member-focused and service-driven. * Ability to establish and maintain effective working relationships with a diverse group of people in support of RCU's Mission, Vision, Values, Culture, and Service Standards. * Ability to treat people with respect, keep commitments, inspire trust, work ethically and with integrity, uphold organizational values, accept responsibility for actions and be accountable. * Proficient in Microsoft Office applications, reporting tools, and data analysis platforms. Preferred Qualifications * Experience directly supporting payment products, card portfolios, digital payment solutions, or payment operations within a financial institution. * Experience working with payment systems, fintech partners, or payment-related vendors. * Experience with data analytics, reporting, business case development, and product performance measurement. * Experience with business development and/or sales of financial services. \n The ideal candidate has a combination of education or experience equivalent to a bachelor’s degree in business administration, marketing, or closely related field, with a minimum of five years’ experience in financial services.   Compensation: Base starting range: $94,082 to $123,949 annually commensurate with experience. Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.   Redwood Credit Union offers a robust benefits package to our eligible employees including: •  Competitive medical, dental, and vision insurance, mental health offerings •  Employee performance incentive plan • Salary Advancement– Merit increase based on performance • 401(k) program with employer match • Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!   RCU Discounts and Perks: • RCU employees are eligible for a .75% discount off RCU standard collateral auto loans • RCU employees are eligible for a 1% discount on all recreational or boat loan products • 2% discount off Visas and LOC Loans through RCU • 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000. • 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000. • 0% interest on garment, fitness, or home office equipment loan of up to $500 • 100% financing for employee purchased homes!   Physical Requirements: • Ability to stand, bend, stoop, sit, walk, twist, and turn. • Ability to lift up to 15 pounds. • Ability to use a computer keyboard and calculator. • Work environment is indoors; majority of the time is spent sitting at a desk.   *Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position.    Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET.                                                                                                       We are an Equal Opportunity Employer